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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,974 | $95,404+39.4% | $113,397+17.3% | $82,637+60.9% |
| Participation rate | 94.8% | 72.8%+22.0pp | 76.5%+18.3pp | 68.1%+26.8pp |
| Annual return | 14.34% | 19.08%-4.7pp | 23.20%-8.9pp | 53.51%-39.2pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $9,289 | $4,220+120.1% | $5,076+83.0% | $4,126+125.1% |
| Admin fee / account holder | $6,944 | $9,168-24.3% | $11,957-41.9% | $7,339-5.4% |